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How we helped with a complaint following a vehicle purchase scam 

Decisions and case studies / Case studies

Duncan contacted us following a vehicle purchase scam. When the vehicle he’d bought didn’t arrive, Duncan was worried he’d been the victim of a scam so reported the matter to his bank. Unhappy with how the bank responded, he contacted us.

Fraud and scams

Published 07/09/2022    Last updated 14/07/2025

How we helped with a complaint about a “safe account” scam 

Decisions and case studies / Case studies

Lily agreed to move £9,225 of her money to account details provided by a fraudster who had called her pretending to be her bank. Lily’s bank had said she should have carried out more checks on the caller. Find out what happened when she contacted us about her complaint and what we said.

Fraud and scams

Published 07/09/2022    Last updated 14/07/2025

My dad is being chased by a debt collector and we don’t know what to do 

Decisions and case studies / Case studies

Jon's dad was repeatedly contacted by a debt collector, which was causing him distress as he couldn’t afford the payments they were asking for.

Debt Collecting Compensation

Published 02/11/2022    Last updated 11/07/2025

A consumer says options were not explained when she wanted to exit a hire purchase agreement early because of financial difficulties 

Decisions and case studies / Case studies

Judith's financial circumstances had changed, which meant that she was no longer able to make the payments on a hire purchase agreement.

Financial Difficulties

Published 02/11/2022    Last updated 14/07/2025

Josie complains she can’t bank or shop online without a mobile 

Decisions and case studies / Case studies

Josie's bank introduced checks to protect customers from fraud, which required a mobile phone to verify passcodes when shopping online or banking. She felt her bank had discriminated against her because she did not have a mobile phone due to her disability.

Banking Discrimination

Published 15/05/2023    Last updated 11/07/2025

Insurer refers customer to credit hire when it wasn’t suitable 

Decisions and case studies / Case studies

Paul complains his insurer referred him to a credit hire service when it wasn’t appropriate to.

Motor Insurance

Published 27/06/2023    Last updated 11/07/2025

Consumer complains about poor repairs carried out under a credit repair agreement 

Decisions and case studies / Case studies

John’s broker referred him to an Accident Management Company (AMC) to repair the damages on his family car. He wasn’t happy with the repairs and that he was referred to an AMC.

Motor Insurance

Published 27/06/2023    Last updated 11/07/2025

Following a theft, Ellis claimed on his business protection insurance 

Decisions and case studies / Case studies

Electrical equipment disappeared from a construction site, although it seemed too heavy to move. But had Ellis done enough to reduce the risk of loss?

Insurance SME

Published 30/04/2024    Last updated 11/07/2025

Maureen felt pressured into buying life assurance while grieving 

Decisions and case studies / Case studies

Maureen took out two life policies just after her husband passed away, when she didn’t feel ready to make financial decisions.

Vulnerable Customers Life Assurance

Published 28/04/2025    Last updated 11/07/2025

The lender sold Helen's property to clear her buy-to-let mortgage debt 

Decisions and case studies / Case studies

But after two auctions and several buyers dropping out, the property was sold for less than Helen thought it was worth.

Mortgages Buy-to-let

Published 11/07/2025    Last updated 11/07/2025

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